Author: Pacific Home Loans

Owning a second home or investment property in Hawaii isn’t just a milestone; it’s a lifestyle upgrade and a smart wealth-building strategy. Whether it’s a beachfront condo on Maui, a family retreat on Oʻahu, or a rental property on the Big Island, the right financing can make all the difference. With mortgage rates near their lowest levels in a year, 2025 offers an ideal window for buyers and investors to act.


What Makes Non-Agency Loans a Smart Choice

Unlike traditional conforming loans backed by Fannie Mae or Freddie Mac, non-agency loans (also known as jumbo or portfolio loans) give borrowers more flexibility, something especially valuable in Hawaii’s higher-cost housing market.


These loans:

· Allow for higher loan amounts beyond conforming limits, ideal for Hawaii’s premium property values.

· Offer flexible underwriting, perfect for self-employed buyers, investors, or those with multiple income sources.

· Often come with competitive rates that can rival conventional loan programs.


For many Hawaii buyers, non-agency loans provide the freedom to purchase the right property without being constrained by conforming loan limits or rigid qualification criteria.


Advantages for Hawaii Second Home Buyers

Dreaming of a weekend retreat in Kona or a vacation condo in Waikīkī? Non-agency loans can help you finance high-value second homes while keeping monthly payments manageable. These programs work especially well for borrowers planning to use their property for part-time living and short-term rentals, a popular strategy across the islands.


Benefits for Hawaii Real Estate Investors

Hawaii’s steady tourism and limited housing supply make it one of the strongest real estate markets for investors. With non-agency loans, investors can:


· Purchase properties that exceed conforming loan limits.

· Expand their rental portfolio with flexible qualification options.

· Maintain strong cash flow thanks to competitive rates and tailored loan structures.


From multi-unit rental properties in Honolulu to vacation rentals in Lahaina or Princeville, non-agency financing helps investors make the most of Hawaii’s diverse opportunities.


Bottom Line

Whether you’re investing in a second home, diversifying your portfolio, or purchasing your dream property in paradise, non-agency loans offer the flexibility and financing power you need. With strong market conditions and competitive rates, now’s the perfect time to explore your options with Pacific Home Loans.



Why Work with Pacific Home Loans, Inc.

Based right here in Hawaii, Pacific Home Loans specializes in helping homebuyers and investors find the right financing solution for their goals. Our experienced loan officers understand Hawaii’s unique real estate market - from high-value coastal homes to rural investment properties - and can help you secure the best terms available.

Contact Steven Mangum at (808) 283-4518 or visit www.pacifichomeloans.com to learn how our non-agency loan programs can help you finance your next Hawaii home or investment property.